How would you describe your relationship
with money in one word?
Complicated.
Amazing.
Amazing come on my guy.
Tight.
Tight?
I spend too much.
Toxic.
Why complicated?
I've got enough of it, but also
never have enough.
Makes sense.
Yo Ki, we're here.
We're here. We're in Scotland.
So let's go and see why people in
Scotland have money on their minds.
Come on.
Hi can ask you a few questions about
money?
Yeah.
Can I ask you some questions?
Yeah. Yeah. Yeah.
What's your biggest money ick?
I'd probably say people that are
really, really tight on money.
So like they'll ask for like, to
transfer an extra 50p kind of thing.
When people complain
about how much something costs, like
a really expensive item, but then
just continue to buy it anyway.
Putting it into places that have got
enough money already.
Do you know what I mean, like I always
think, you know, if you've got a
little bit of money spent it local,
don't give it to big companies like
they've got enough.
What do you do for money?
I co own a salon.
That's really cool.
I work in retail, but
I'm also doing a masters.
I've got a nice big loan out for
that one, a little bit of bank of
mum and dad. Gotta pay them back at
some point.
What is the best purchase you've
ever made?
The best purchase?
Probably my pram I would say, I
You're pram.
Probably this jacket to be honest with you.
You're jacket's a nice jacket.
I wear it all the tim.
Yo Ki. You call yourself a financial
guru.
I do.
I'm a real financial advisor.
Okay, we don't need to put real in
there.
Okay.
Let's battle this out.
Okay.
Let's see who's winning.
Who's more likely to
give a tip?
Come on. She knows.
I'm generous.
I've let you tip everywhere
Kind to strangers, take a five.
I'm like, I'm that guy.
Who is more likely to be
the savviest saver.
Hmm
I'm going to scream.
Hmm.
I'm gonna say me.
Why you? Okay, I want to hear why
you?
The one thing I always say is to
make sure you got a plan, have a
budget.
Very Important.
Like don't just let your money come
in and out.
Deals and discounts is always my
thing. So I always tell people to
make use of cashback.
How are we were saving?
I don't have any savings.
Like I just spend my money.
I don't save any.
I do like to live a little bit in
the moment.
Yes..
And it can be like a bit hard for me
to say no to people.
Yeah.
When I get invited out to go do
things, go for dinner.
When it comes to saying no to
people, don't feel bad.
Your money is planned for other
things.
You live by yourself?
Eh no, I live with my twin brother.
Twins as in identical.
Yeah, yeah.
And you look the same time?
Yeah exactly.
Oh, wow.
When it comes to bills in a house,
how do you guys work that one out?
I feel like some we're resentful of
each other because
I'll maybe pick up the bill this time, he'll pick up the bill next time.
I don't know what ways I could do
for it to be absolutley equally down
the middle.
Maybe you two should look into
getting a joint account together.
And it's just for bills.
That way you're splitting it down
the middle. And there's also apps
that allow you to actually split bills.
So like you said, there is no more
of you picking up slightly more.
Yeah, yeah. Perfect.
Would you tell like your mum or dad your
salary?
No, I feel like
people who have a lot of money are always the ones to talk about how they
have a lot of money.
Yeah, I would tell my mum how much I
earn.
Probably so that she would maybe
help me out a little more.
I don't check my payslips very often.
Oh my goodness.
I probably should.
We need to check our payslips, but
also need to talk about money with
other people to make sure we know if
we're getting paid the right thing
because someone could do the exact
same job and be getting paid more
and how would you know?
So tell me, what's your biggest
purchase?
Eh, I bought a watch.
Woo! What if type of watch?
I'm talking about.
I cannot stop buying candles.
What's the most expensive candle you've bought? I need to know.
It was £150, but it down from £600.
I know, I know.
You bought a £600 candle!
A jumper. £400 on a jumper.
Wow, that must have kept you warm.
I didn't wear it.
Oh.
Hello.
Hello Hello.
Okay. How are you guys getting on?
Yeah, good.
There's some really good questions
coming through.
Okay.
One person in a couple
earns more than the other.
The question is around, well, how do
they manage their finances in that
situation?
Having that conversation
understanding where you're both at,
you know, because you are in a partnership
and that is what happens sometimes.
Yeah with me and my wife, for example,
we, we share our bills 70/30
because I earn more.
Sometimes it's about looking at
yourself as, rather than just as
individuals, but as a team, you're
working towards your goals together.
One thing that a lot of people don't
realise is that it can affect
your credit score.
So for example, if you have a good
credit score and your partner you're
joining with may not have a good
credit score, that can actually
impact yours.
Another question that's come in
that's quite interesting.
How do I start a conversation
with friends about money and money
mindsets without coming across as
nosy.
People find it uncomfortable to talk
about money. Right.
Yeah.
But I always think it's good, if
you're going to have that conversation with
friends, what I do myself is I
start by talking about myself.
And people just tend to feel more
open and want to have more of that
conversation.
I was interested about the use of
the word nosy.
That implies that it's a, it's a bad
thing to ask about money.
Well, actually, no, we should all be
talking about it. We should be open
about money.
So actually raising that question
is really great because I hope that
person's going to have some awesome
money conversations.
Yes, hopefully
Yeah.
All right, Nikki, we're off.
Oh, Okay.
To the streets.
What would you do if you had
£100,000 cash.
Put it away.
Put it away?
All of it.
I would definitely go on holiday.
Probably invest some of it as well.
Be a little bit more sensible and
probably buy some more shoes.
£95,000's a house deposit or it's
half an investment property you know, in certain
places in Glasgow.
Very wise for such a young man.
Loving it, loving it.
I would love to get myself a really
posh car.
Okay, what car would you get then?
What car wouldn't I get.
What does money mean to you?
Money is, eh.
Well it's flexibility.
How would you describe your relationship with money
in one word?
Eh,
complicated?
Amazing.
Amazing, come on my guy.
Tight.
Tight?
I spend too much.
Toxic.
Why complicated?
I've got enough of it, but kind of
also never have enough.
We're seening the cost of living
crisis getting worse and worse.
Are you finding that you and your
friends are talking about this
stuff?
Oh, yeah, 100%.
Definitely something that's on a lot
of people's minds, especially yeah
at my age.
Yeah.
Let's play a game of 'Would You
Rather?'
Yeah. Love this.
All right let's play.
Got you.
Question One. Would you rather
have three different TV streaming
services or have someone wash your
car once a month?
Watch my car.
Wash my car.
I hate washing the car.
Ah it's the worst thing ever.
Oh, my gosh. Wash my car.
Would you rather go out for a fancy
dinner once a month or have a
takeaway every weekend?
I'm a take away, I'm from the hood.
I think
a fancy dinner.
Get dressed up, whack on them heels.
Yeah, you fancy innit, look at your jacket.
You fancy. I'm very basic.
Would you rather have enough money
for a wedding or a deposit on a
house?
Oh, please.
Registry office works just as well.
Come on, come on, tell them.
Deposit.
Yeah, deposit. I wish I knew this
before because I would have told my
wife.
You know, the average wedding cost
around £30,000 so can you imagine
that towards a deposit?
So how did it go?
It was really fun, right?
It was amazing.
So much fun. So much energy.
You know, this has been a great
time. You know, not only just
Glasgow.
Yeah.
But all the contributors who we met
in the airstream.
We've been in their shoes.
Yeah.
We know what it feels like.
Everyone's got money problems.
And money means different things to
different people.
Absolutely.
I feel like I've learnt so much.
Yeah really.
I've learnt so much from meeting
everyone and doing this, this has
been a great time.
So you know what time is?
Yeah.
Yes.
Hands in.
Alright, three, two one.
Woo!
Truce!
So I almost got killed bt the Harry
Potter bird. What the flip?
So I want to ask you, wait I forgot the
question.
I mean, why did I do this.
What did I do this for?
Eman, no.
Make sure you don't miss it.
These birds need to pick a place to
land.
Na, they need to make their mind up.
I don't know what's going on.
All right, guys. What would you do for £100,000 cash?
Anything.
Oh, with a £100,000, I thought you said for?
For nah, he said for but he meant
with.
Ah, big man. What you doing?
If I get poo'd on that's a wrap, It
doesn't matter where we are. It's a wrap.